[MD only] Point Breeze Credit Union $275 Checking Bonus

Update 9/24/22: Deal is back.

Offer at a glance

  • Maximum bonus amount: $275
  • Availability: In branch, MD only [Branch Locations]. You also must work, belong to a community organization, or worship within 20 miles of a branch
  • Direct deposit required: Yes, $400+
  • Additional requirements: See below
  • Hard/soft pull: Unknown
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: None listed
  • Household limit: None listed
  • Expiration date: None listed

The Offer

Direct link to offer

  • Point Breeze Credit Union is offering a bonus of $275 when you open a new checking account with promo code CHECK275. Bonus is broken down as follows:
    • Open a checking account, get $50
    • Direct Deposit at least $400 within 45 days, get $100
    • Swipe your debit card 12 times within 45 days, get $100
    • Sign up for eStatements within 45 days, get $25

The Fine Print

  • Limited time offer available for new checking accounts only.
  • Limit one account per member.
  • Cannot be combined with other offers.
  • Point Breeze Credit Union reserves the right to change or discontinue this offer at any time without notice.
  • Bonus(es) will typically be deposited to your account within 60 days of account opening if the qualifications for that bonus are met:
  • Must qualify for membership, open a share savings account and maintain a $5 share balance to join.
  • Must also qualify for and open a checking account with no minimum balance required to receive the initial $50 bonus.
  • See a representative for qualifications.
  • Direct deposit of at least $400 per month is required within 45 days of account opening to receive an additional $100 bonus.
  • Must complete a minimum of 12 debit card purchase transactions using your Point Breeze VISA® Check Card within 45 days of account opening to receive an additional $100 bonus. Both PIN and signature point-of-sale transactions qualify.
  • Returns, refunds and ATM transactions do not qualify.
  • Must enroll in eStatements within 45 days of account opening to receive an additional $25 bonus.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

They have free checking accounts with no monthly fees to worry about.

Early Account Termination Fee

According to the fee schedule there is no early account termination fee.

Our Verdict

Nice big bonus, unfortunately we don’t know if it’s a hard or soft pull to open.

Useful posts regarding bank bonuses:
    William Charles
  • On September 24, 2022, 12:00
Tags: direct deposit requiredmd bank bonuses

View Comments (13)

  • Applied online and got stuck because they want to do a hard pull on my TU report.
    Decided to not move forward with it because I don't want the HP.

  • Have visited the local branch of PB a couple times over the last couple weeks to deposit cash, via "shared branch" network, into my ETF/Liberty 3.3% checking acct. Pleasant, if brief, experiences. I don't have enough on hand to also take advantage of PB's 3% account, but I might later after I finish current Chase & Citi bonuses.

    I may try for this one although I do worry about Chex. I wish it could be online so the potential rejection will sting less. 8-) I also hope they don't judge me too harshly if they review Chex while I'm sitting there in front of them...

  • I did this bonus last time around. If you have your original social security card they will not do a hard pull, otherwise it is a transunion pull. They paid right at the 45 day mark if all conditions were met.

    I kept it open as they have 3% checking on up to $10k with 12 debits and a DD of $400. I know 3% is not great now, but it was pretty good when I opened in January.

    They also have a free secure shred event on 10/22. Good way to get rid of the bank and credit card opening paperwork we get!

  • DP
    Opened account 1/3/2022
    1/10-2/1 - Did real DD, did amazon reloads for debit purchases, signed up for e-statements
    2/17/2022 - $275 deposited into saving account in four chunks - $50, $25, $100, $100. So they paid right when they reviewed the account at 45 days.

  • Definitely some confusion in-branch today from the employees whether or not you could use this promo without having received a mailer or an email.

      • I do not think so. I do not do crazy bonus volume but I opened 14 bank accounts last year and they still had no difficulty signing me up.

      • Went to open today. At first the person helping me said it would be a hard pull through TransUnion to verify my identity. The manager walked by and said that no hard pull would be required if I showed my original social security card. I did not have it on me but will stop in next week with it to open the account. So just an FYI that you might need a copy of your SS card to open and avoid a hard pull.

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